ARUDD Reason Codes

Automated Return of Unpaid Direct Debit

ARUDD (Automated Return of Unpaid Direct Debit) reports detail any Direct Debit not paid by the Paying Bank. A Direct Debit may be returned unpaid for a variety of reasons. These, together with reason codes can be found below.

These reports are generated up to 2 working days after the collection date & are made available by SmartDebit upon receipt.

ARUDD Reason Codes and their meanings:

Code

Reason

Circumstances

Special instruction

0

Refer to payer

A payer’s bank is not in a position to pay the Direct Debit; (for some reason other than the exception below). OR The service of a Garnishee Order or Arrestment on the payer’s account, his bankruptcy, liquidation or appointment of receiver

Service user may represent up to one month from original processing day – it is recommended that the payer is notified of this 5 working days in advance of the representation. Service user will need to establish from the payer the reason for non-payment and likelihood of payment upon representation.

1

Instruction cancelled

Instruction cancelled by payer or his bank

Service user must liaise with payer to agree the payment method for collection of any outstanding funds

2

Payer deceased

Payer deceased

3

Account transferred

Account transferred to a new bank or building society

First check you have not been notified of the new bank details, if not you must obtain a new DDI from the payer. Collection must be suspended until a new DD set up and advance notice is issued to the payer

4

Advance notice disputed

Payer disputes time, amount or frequency of advance notice and has requested single payment to be countermanded

Service user should not collect further Direct Debits until it has resolved the dispute with the payer

5

No account (OR wrong account type)

Account Number is not recognised at the paying bank

Service user should check DDI information and/or liaise with payer

6

No Instruction

No Instruction held with paying bank

Service user should check DDI information and/or liaise with payer and if appropriate obtain new Instruction

7

Amount differs

Payer states the amount of the Direct Debit differs from the amount in the advance notice to payer

Service user should not collect further Direct Debits until it has resolved the dispute with the payer

8

Amount not yet due

Payer states date of debiting is in advance of the due date specified in the advance notice to the payer. AUDDIS service users only – It is less than 2 working days since the DDI was lodged

Service user should not collect further Direct Debits until it has resolved the dispute with the payer